RCD
Ready Capital Corporation Notes -15.12.29
REIT - Mortgage
Market Cap$3.63B
5Y Perf.-11.1%
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Stock Comparison
RCD vs GPMT
Revenue, margins, valuation, and 5-year total return — side by side.
GPMT
Granite Point Mortgage Trust Inc.
REIT - Mortgage
Market Cap$74M
5Y Perf.-44.4%
RCD vs GPMT — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | RCD | GPMT |
|---|---|---|
| Industry | REIT - Mortgage | REIT - Mortgage |
| Market Cap | $3.63B | $74M |
| Revenue (TTM) | $-9M | $132M |
| Net Income (TTM) | $-311M | $-40M |
| Gross Margin | 100.0% | 47.3% |
| Operating Margin | — | -4.3% |
| Total Debt | $6.04B | $1.17B |
| Cash & Equiv. | $144M | $66M |
RCD vs GPMT — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
RCD
GPMT
| Stock | Dec 24 | May 26 | Return |
|---|---|---|---|
| Ready Capital Corpo… (RCD) | 100 | 88.9 | -11.1% |
| Granite Point Mortg… (GPMT) | 100 | 55.6 | -44.4% |
Price return only. Dividends and distributions are not included.
Quick Verdict: RCD vs GPMT
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: GPMT leads in 4 of 6 categories, making it the strongest pick for growth and revenue expansion and profitability and margin quality. Ready Capital Corporation Notes -15.12.29 is the stronger pick specifically for capital preservation and lower volatility and recent price momentum and sentiment. As sector peers, any of these can serve as alternatives in the same allocation.
RCD
Ready Capital Corporation Notes -15.12.29
The Real Estate Income Play
RCD is the clearest fit if your priority is income & stability and long-term compounding.
- Dividend streak 0 yrs, beta 0.15, yield 5.4%
- 1.3% 10Y total return vs GPMT's -50.0%
- Lower volatility, beta 0.15
Best for: income & stability and long-term compounding
GPMT
Granite Point Mortgage Trust Inc.
The Real Estate Income Play
GPMT carries the broadest edge in this set and is the clearest fit for growth exposure.
- Rev growth 187.8%, EPS growth 73.7%, 3Y rev CAGR 22.9%
- 187.8% FFO/revenue growth vs RCD's -93.0%
- -30.5% margin vs RCD's -15.9%
Best for: growth exposure
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | GPMT | 187.8% FFO/revenue growth vs RCD's -93.0% |
| Quality / Margins | GPMT | -30.5% margin vs RCD's -15.9% |
| Stability / Safety | RCD | Beta 0.15 vs GPMT's 1.44 |
| Dividends | GPMT | 14.0% yield, vs RCD's 5.4% |
| Momentum (1Y) | RCD | +4.8% vs GPMT's -19.7% |
| Efficiency (ROA) | GPMT | -2.3% ROA vs RCD's -3.7% |
RCD vs GPMT — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLGPMTLAGGINGRCD
RCDReady Capital Corpora…
2leads
GPMTGranite Point Mortgag…
4leads
6 Total Categories
CATEGORYLEADERvs RCDMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
GPMT4/5
Valuation MetricsMultiples, price ratios, and targets
GPMT2/3
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
GPMT6/6
Total Returns1Y, 3Y, 5Y total returns with dividends
RCD6/6
Risk & VolatilityBeta, volatility, and downside exposure
RCD2/2
Analyst OutlookRatings, price targets, and dividends
GPMT1/1
Income & Cash Flow (Last 12 Months)
GPMT leads this category, winning 4 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
GPMT and RCD operate at a comparable scale, with $132M and -$9M in trailing revenue. Profitability is closely matched — net margins range from -30.5% (GPMT) to -15.9% (RCD). On growth, GPMT holds the edge at +157.8% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | RCDReady Capital Cor… | GPMTGranite Point Mor… |
|---|---|---|
| RevenueTrailing 12 months | -$9M | $132M |
| EBITDAEarnings before interest/tax | -$95M | -$8M |
| Net IncomeAfter-tax profit | -$311M | -$40M |
| Free Cash FlowCash after capex | $366M | $463,000 |
| Gross MarginGross profit ÷ Revenue | +100.0% | +47.3% |
| Operating MarginEBIT ÷ Revenue | — | -4.3% |
| Net MarginNet income ÷ Revenue | -15.9% | -30.5% |
| FCF MarginFCF ÷ Revenue | -187.2% | +0.4% |
| Rev. Growth (YoY)Latest quarter vs prior year | -69.8% | +157.8% |
| EPS Growth (YoY)Latest quarter vs prior year | -86.2% | +40.9% |
GPMT leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
GPMT leads this category, winning 2 of 3 comparable metrics.
Valuation Metrics
| Metric | RCDReady Capital Cor… | GPMTGranite Point Mor… |
|---|---|---|
| Market CapShares × price | $3.6B | $74M |
| Enterprise ValueMkt cap + debt − cash | $9.5B | $1.2B |
| Trailing P/EPrice ÷ TTM EPS | -8.52x | -1.34x |
| Forward P/EPrice ÷ next-FY EPS est. | — | — |
| PEG RatioP/E ÷ EPS growth rate | — | — |
| EV / EBITDAEnterprise value multiple | — | 20.75x |
| Price / SalesMarket cap ÷ Revenue | 132.59x | 0.51x |
| Price / BookPrice ÷ Book value/share | 1.97x | 0.13x |
| Price / FCFMarket cap ÷ FCF | — | 27.85x |
GPMT leads this category, winning 2 of 3 comparable metrics.
Profitability & Efficiency
GPMT leads this category, winning 6 of 6 comparable metrics.
Profitability & Efficiency
GPMT delivers a -7.1% return on equity — every $100 of shareholder capital generates $-7 in annual profit, vs $-17 for RCD. GPMT carries lower financial leverage with a 2.12x debt-to-equity ratio, signaling a more conservative balance sheet compared to RCD's 3.12x. On the Piotroski fundamental quality scale (0–9), GPMT scores 6/9 vs RCD's 1/9, reflecting solid financial health.
| Metric | RCDReady Capital Cor… | GPMTGranite Point Mor… |
|---|---|---|
| ROE (TTM)Return on equity | -16.6% | -7.1% |
| ROA (TTM)Return on assets | -3.7% | -2.3% |
| ROICReturn on invested capital | — | +2.6% |
| ROCEReturn on capital employed | — | +4.6% |
| Piotroski ScoreFundamental quality 0–9 | 1 | 6 |
| Debt / EquityFinancial leverage | 3.12x | 2.12x |
| Net DebtTotal debt minus cash | $5.9B | $1.1B |
| Cash & Equiv.Liquid assets | $144M | $66M |
| Total DebtShort + long-term debt | $6.0B | $1.2B |
| Interest CoverageEBIT ÷ Interest expense | — | 0.58x |
GPMT leads this category, winning 6 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
RCD leads this category, winning 6 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in RCD five years ago would be worth $10,126 today (with dividends reinvested), compared to $3,472 for GPMT. Over the past 12 months, RCD leads with a +4.8% total return vs GPMT's -19.7%. The 3-year compound annual growth rate (CAGR) favors RCD at 0.4% vs GPMT's -13.1% — a key indicator of consistent wealth creation.
| Metric | RCDReady Capital Cor… | GPMTGranite Point Mor… |
|---|---|---|
| YTD ReturnYear-to-date | +8.3% | -32.5% |
| 1-Year ReturnPast 12 months | +4.8% | -19.7% |
| 3-Year ReturnCumulative with dividends | +1.3% | -34.3% |
| 5-Year ReturnCumulative with dividends | +1.3% | -65.3% |
| 10-Year ReturnCumulative with dividends | +1.3% | -50.0% |
| CAGR (3Y)Annualised 3-year return | +0.4% | -13.1% |
RCD leads this category, winning 6 of 6 comparable metrics.
Risk & Volatility
RCD leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
RCD is the less volatile stock with a 0.15 beta — it tends to amplify market swings less than GPMT's 1.44 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. RCD currently trades 91.7% from its 52-week high vs GPMT's 49.7% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | RCDReady Capital Cor… | GPMTGranite Point Mor… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.15x | 1.44x |
| 52-Week HighHighest price in past year | $24.45 | $3.12 |
| 52-Week LowLowest price in past year | $13.47 | $1.24 |
| % of 52W HighCurrent price vs 52-week peak | +91.7% | +49.7% |
| RSI (14)Momentum oscillator 0–100 | 70.3 | 49.4 |
| Avg Volume (50D)Average daily shares traded | 11K | 154K |
RCD leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
GPMT leads this category, winning 1 of 1 comparable metric.
Analyst Outlook
For income investors, GPMT offers the higher dividend yield at 13.98% vs RCD's 5.39%.
| Metric | RCDReady Capital Cor… | GPMTGranite Point Mor… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Hold |
| Price TargetConsensus 12-month target | — | $2.50 |
| # AnalystsCovering analysts | — | 12 |
| Dividend YieldAnnual dividend ÷ price | +5.4% | +14.0% |
| Dividend StreakConsecutive years of raises | 0 | 0 |
| Dividend / ShareAnnual DPS | $1.21 | $0.22 |
| Buyback YieldShare repurchases ÷ mkt cap | +2.3% | +7.6% |
GPMT leads this category, winning 1 of 1 comparable metric.
Key Takeaway
GPMT leads in 4 of 6 categories (Income & Cash Flow, Valuation Metrics). RCD leads in 2 (Total Returns, Risk & Volatility).
Best OverallGranite Point Mortgage Trus… (GPMT)Leads 4 of 6 categories
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RCD vs GPMT: Frequently Asked Questions
8 questions · data-driven answers · updated daily
01Is RCD or GPMT a better buy right now?
For growth investors, Granite Point Mortgage Trust Inc.
(GPMT) is the stronger pick with 187. 8% revenue growth year-over-year, versus -93. 0% for Ready Capital Corporation Notes -15. 12. 29 (RCD). Analysts rate Granite Point Mortgage Trust Inc. (GPMT) a "Hold" — based on 12 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which is the better long-term investment — RCD or GPMT?
Over the past 5 years, Ready Capital Corporation Notes -15.
12. 29 (RCD) delivered a total return of +1. 3%, compared to -65. 3% for Granite Point Mortgage Trust Inc. (GPMT). Over 10 years, the gap is even starker: RCD returned +1. 3% versus GPMT's -50. 0%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
03Which is safer — RCD or GPMT?
By beta (market sensitivity over 5 years), Ready Capital Corporation Notes -15.
12. 29 (RCD) is the lower-risk stock at 0. 15β versus Granite Point Mortgage Trust Inc. 's 1. 44β — meaning GPMT is approximately 849% more volatile than RCD relative to the S&P 500. On balance sheet safety, Granite Point Mortgage Trust Inc. (GPMT) carries a lower debt/equity ratio of 2% versus 3% for Ready Capital Corporation Notes -15. 12. 29 — giving it more financial flexibility in a downturn.
04Which is growing faster — RCD or GPMT?
By revenue growth (latest reported year), Granite Point Mortgage Trust Inc.
(GPMT) is pulling ahead at 187. 8% versus -93. 0% for Ready Capital Corporation Notes -15. 12. 29 (RCD). On earnings-per-share growth, the picture is similar: Granite Point Mortgage Trust Inc. grew EPS 73. 7% year-over-year, compared to -217. 9% for Ready Capital Corporation Notes -15. 12. 29. Over a 3-year CAGR, GPMT leads at 22. 9% annualised revenue growth. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
05Which has better profit margins — RCD or GPMT?
Granite Point Mortgage Trust Inc.
(GPMT) is the more profitable company, earning -28. 3% net margin versus -1593. 0% for Ready Capital Corporation Notes -15. 12. 29 — meaning it keeps -28. 3% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: GPMT leads at 43. 6% versus 0. 0% for RCD. At the gross margin level — before operating expenses — RCD leads at 100. 0%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
06Which pays a better dividend — RCD or GPMT?
All stocks in this comparison pay dividends.
Granite Point Mortgage Trust Inc. (GPMT) offers the highest yield at 14. 0%, versus 5. 4% for Ready Capital Corporation Notes -15. 12. 29 (RCD).
07Is RCD or GPMT better for a retirement portfolio?
For long-horizon retirement investors, Ready Capital Corporation Notes -15.
12. 29 (RCD) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 15), 5. 4% yield). Both have compounded well over 10 years (RCD: +1. 3%, GPMT: -50. 0%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
08What are the main differences between RCD and GPMT?
Both stocks operate in the Real Estate sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
In terms of investment character: RCD is a small-cap income-oriented stock; GPMT is a small-cap high-growth stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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